Xem 1-20 trên 150 kết quả Credit report
  • When I first started writing about credit scores more than a decade ago, few people knew what these three-digit numbers were or how they worked. Today most people have at least a vague understanding that credit scores are important. But they often don’t realize how important—until they get turned down for a loan or an apartment, or wind up paying more interest or higher insurance premiums than they expected.

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  • When a consumer applies for employment, or for a service that reviews credit histories, (such as insurance, an apartment rental, utilities, cell phone accounts) these data users may also request and receive a credit report and/or scores from one or more repositories, to be used to evaluate the consumer’ s application.

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  • Tham khảo sách 'report to congress on the fair credit reporting act dispute process', tài chính - ngân hàng, ngân hàng - tín dụng phục vụ nhu cầu học tập, nghiên cứu và làm việc hiệu quả

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  • A 1994 study conducted by the National Association of Independent Credit Reporting Agencies (now known as the National Credit Reporting Association) represents a third approach to the question of credit report accuracy.

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  • The proposed amendments would require certain advertisements for “free credit reports” to include prominent disclosures designed to prevent consumers from confusing these “free” offers with the federally mandated free annual file disclosures available through the single centralized source.

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  • Assessing the usefulness of these data as a poten-tial source of information for the Board involves several tasks. This article is an initial step in the process; it examines the scope and content of the data, using a framework based on key aspects of credit evaluation. This approach is a natural way to begin the assessment process because the credit reporting companies' primary purpose for collecting these data is to facilitate credit evaluation.

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  • After CFA made a random selection of the time frame from which credit files were to be analyzed, a generic number was assigned to keep the nameless study data from each study file separated from other study files. No copies or partial copies of any credit reports, on paper or electronically, were removed from any credit reporting agency location. Anonymous credit scores and an analysis of the credit data, as reviewed by credit reporting agency personnel for security and industry knowledge, was supervised and recorded by the CFA researcher for tabulation.

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  • A 1992 study conducted by Arthur Andersen , commissioned by the Associated Credit Bureaus (now known as the Consumer Data Industry Association) used a different methodology to conclude that the error rate was much lower. This study reviewed the behavior of 15,703 consumers who were denied credit based on a credit grantor’ s scoring system. From this sample, 1,223 consumers (7.8%) requested their credit report from the issuing credit repository, and 304 consumers (1.9% of the total sample) disputed the information on the report. Of these, 36 disputes (11.

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  • CHIlD LABOR IN VIETNAM: THE RELATIVE IMPORTANCE OF POVERTY. RETURNS TO EDUCATION. LABOR MOB ILTTY. AND CREDIT CONSTRAINTS A Model of Tiebout Sorting on Exogenous Community Attributes In this section, I build a formal model of the Tiebout sorting process described above. As my interest is in the demand side of the market under full information, I treat the distribution of school effectiveness as exogenous and known to all market participants.

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  • The complex system for reporting and reviewing credit involves a large number of participants who fall generally into one of six categories: consumers; data repositories; data users; data furnishers; credit reporting agencies; and analytical service providers. Approximately 190-200 million consumers have credit reports maintained by the three major credit repositories (Experian, Equifax, and Trans Union) 9 .

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  • The reverse is true of collection agencies, which provide information to the repositories, but do not use credit data to evaluate consumer creditworthiness, although they may use information in credit reports to locate debtors. Repositories also obtain information by requesting it from public records and government entities and when certain government entities report directly to the repositories, such as for delinquent child or family support payments, unpaid parking tickets, or overpayments of unemployment benefits.

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  • Savings banks in Spain have a long tradition of providing social credits to under-served financially excluded communities. Caja de Granada in particular chairs the International Association of Social Pledging Credit Establishments1 and like Caixa Galicia and Caixa Catalunya, grants micro-credits through their foundations, mainly in the regions where they operate. Caja Granada recently organized a symposium with all its microcredit holders to exchange experiences.

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  • ANALYSIS OF CREDIT RATING EQUIT” INDEXES: VOLATILITY COMPARISONS A OPTION CALIBRATION The positive correlation between choice and performance seems to result entirely from the omission of students’ background characteristics; when they are included in Column C, the coefficient becomes negative and significant.

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  • The Consumer Federation of America (CFA) and the National Credit Reporting Association (NCRA) designed the details of this study with advice from legal counsel to ensure the methodology would comply with the requirements of the Fair Credit Reporting Act, Gramm Leach Bliley Act, and other consumer privacy laws. From the outset, each organization was mindful of the ethical spirit and intent of these consumer protection and privacy laws.

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  • Despite the gatekeeper role that these scoring systems play regarding access to credit, housing, insurance, utilities, and employment, as well as pricing for those essentials, exactly how the formulas perform the transformation from credit report to credit score is a closely guarded secret. For consumers, regulators, and even industry participants who rely on the computations in their decision-making, the scoring models largely remain a “black box.

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  • When a consumer applies for non-mortgage credit, such as a credit card, unsecured line of credit, or installment loan (e.g. for an automobile, or furniture), the potential creditor (data user) can request a credit report (with or without a credit score) from one, two, or three of the credit repositories. A repository that receives such a request will send the credit report to the potential creditor, and record an inquiry on the consumer’ s credit report. The creditor can use the information in the credit report to help decide whether to extend or deny credit to the consumer,...

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  • On-time payments have a positive influence while late payments have a negative influence. However, the amount of positive influence a consumer receives from a timely payment may vary based on the type of creditor. For example, timely payments to a prime credit card lender may have a greater positive influence on a score than timely payments to a lender considered less favorable, such as a furniture or consumer electronics store.

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  • The main goal of our estimation is to study the industry incidence of tax evasion. We Önd a high tax evasion multiple for doctors, engineers, private tutors, Önancial services agents, accountants, and lawyers, consistently across di§erent credit models. We turn to making sense of the industry distribution. We Önd no evidence that the govern- ment is subsidizing either areas of local economic growth or industries o§ering apprentice-like training to unskilled workers.

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  • There are about eight to 16 million people with low and moderate incomes and poor credit who earn below $40,000 a year who are subjected to the sub prime lending market. The Federal Reserve reports that those earning $30,000 or less per year, such as Jesus, paid an annual interest rate that was 56.1 percent higher than people earning $90,000 a year . In addition, most buy here/pay here lots do not report payment history to the credit reporting agencies, which prevents consumers from strength- ening their credit history through steady repayment of their car loan. ...

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  • Nowadays, with the growing importance of the credit-based learning in current educational environment, strong academic advising system is an essential ingredient of learner success, supporting personalized advices aimed at effective and efficient learning. In that context, within the scope of this paper, an intelligent academic advising system approach is introduced focusing on integrating technology-enhanced learning methodologies into a pedagogy-driven and service-oriented architecture based on semantic technology. ...

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